This is a much wider cover used mostly on the larger risks, covering literally everything except the normal exclusions.

Normal exclusions:

• War/Terrorism
• Radioactivity
• Normal wear and tear
• Mysterious Disappearance
• Machinery breakdown
• Marine inland Transit, including loading and unloading 
• Fidelity guarantee of employees
• Electronic data and internet
• Cover under deductibles, as noted in policy schedule
• Loss of Profits/Business Interruption

People and Partners Insurance PLC can arrange to extend either the basic Fire/Perils policy or the Property All Risks Policy to cover full business interruption. This cover would be following the exact perils covered by the different policies and would be based on an ‘Indemnity Period’ chosen by the Insured in discussions with our staff. This would be the longest period deemed possible by the client to get back to normal after a large material damage loss. The normal period would be at least 12 months, but it could be shorter (6 months) or even 24 to 36 months in the case of a large complex factory risk.People & Partners Insurance can also provide additional cover that most businesses should consider, including Liability Insurance.

We are very experienced in this important class of business. Our expertise in covering all types of Buildings and Industrial manufacturing factories is extensive. Our team of underwriters and surveyors have handled the full range of businesses in Cambodia and our senior management have handled mega risks in different countries also.

Our international reinsurers are all “A” rated and acknowledge our considerable knowledge and long experience.

We settle claims quickly. The amount of time required to handle a claim varies based on the severity, extent and nature of the loss. For the larger claims, we usually appoint a loss adjuster to survey the damage and assist with estimates, repairs etc., and to ensure a Professional Technical Report for our International Reinsures. PPI pays for this as part of our claims service.

Our premiums are very competitive in the market and we will help you to provide all the details to ensure you are fully covered and enjoy the most competitive premiums.